Group Name Employer ID: CHO Plan Year: 01/01/2014-12/31/2014

1. Group NameEmployer ID: CHOPlan Year: 01/01/2014-12/31/2014 Presented By: Name Title

2. Getting Started: Enrollment presentations can be shown to employees to help explain how to use their Choice Strategies plan. • Before showing this presentation to employees, please customize it by finding and replacing the following: • Group Name: Group Name • Health Insurance Carrier: Carrier • Plan Year: 01/01/2013-12/31/2013 • Plan Start Date: 01/01/2013 • HRA Single Funding: $ • HRA Family Funding: $$ • Carrier Single Deductible: $$$ • Carrier Family Deductible: $$$$ • FSA Maximum: $2,500 Instructions: Find and ReplaceDelete This Slide Before Presenting

3. Deductible: • Single: $$$ • Family: $$$$ Effective01/01/2014, Choice Strategies will be administering: • Health Reimbursement Arrangement (HRA) • Flexible Spending Account (FSA) • Dependent Care Account (DCA) Your Health PlanCarrier

4. Group Name’s HRA Plan: • Plan Year: 01/01/2013-12/31/2013 • The following chart indicates expenses for which your HRA can be used: Health Reimbursement ArrangementHRA

5. 3 Month Run-Out Period You have 3 months after the plan year ends to submit all outstanding claims for expenses that occurred during the plan year Plan Year: 01/01/2014-12/31/2014 Reimbursement for these expenses must be submitted manually through the claim process during the Run-Out Period Do NOT charge your Choice Strategies Card for dates of service the occurred during a previous plan year. Example: Plan year ends on 12/31/13. You have until 3/31/2014 to submit manual claims for dates of service that occurred during the 2013 calendar plan year. End of Plan YearHealth Reimbursement Arrangement

6. You can elect to contribute up to $2,500 pre-tax • Plan Year: 01/01/2014-12/31/2014 • Contributed through payroll deductions • “Use it or Lose it” • Eligible Expenses: • Medical • Dental • Vision • Prescriptions • Limited Over-the-Counter (OTC) products Flexible Spending AccountFSA

7. 2 ½ Month Grace Period • You have 2 ½ months after the FSA plan year ends to use any remaining funds for expenses that occurred within the current plan year or during the grace period • Plan Year: 01/01/2014-12/31/2014 • You may use your card for FSA eligible expenses during the grace period for any expenses incurred between the beginning of your plan year and the end of the grace period • Example: Plan year ends on 12/31/13. You have until 3/15/2014 to use remaining FSA funds for dates of service that occurred during the 2013 plan year and through the Grace Period. End of Plan YearFlexible Spending Account

8. The FSA Carryover End of Plan YearFlexible Spending Account What is it? A provision for FSAs that allows up to $500 to carryover from year to year. Will the carryover amount effect the amount that can be elected pre-tax for the next plan year? No. So, if the carryover is $500 from a previous year, the available balance for the new year could be anything up to $3,000? Yes.

9. You can elect to contribute up to: • $2,500 if married, filing separate tax returns • $5,000 if single OR married, filing jointly Dependent Care AccountDCA • Plan Year: 01/01/2014-12/31/2014 • Contributed through payroll deductions • Pre-tax! • Pay as you go • You can only spend what you have contributed. • Eligible Expenses: • Custodial care of dependents while employee is at work

10. Employee SavingsExample Based on 13.34% Federal Income Tax, 7% State Income Tax, and 7.65% Social Security Tax Rate

11. MasterCard • Card activates upon first use • If balance available and any shared responsibility portions have been met • Employee and spouse automatically receive cards • Separate envelopes • Additional cards can be issued upon request • Swipe as CREDIT vs. Debit for convenience • If needed - PIN is accessible through Member Online Accounts under the My Card tab. Choice Strategies CardThe Facts

12. Using the CardMedical Co-Pays You pay portion of co-pay with the Choice Strategies Card Provider will check insurance plan for co-pay amount You pay the remaining portion of the co-pay out-of-pocket Present Your Health Insurance ID Card. Reminder: Always give your provider your Carrier ID card and ask the provider to submit to insurance

13. Using the CardPrescriptions Employee pays approved portion as indicated on Slide 4 with Choice Strategies Card! Bring Rx to pharmacy. (Make sure updated Carrier information is on file) Doctor writes a Prescription (Rx) and gives to you. Pharmacist advises price of Rx. Reminder: Request that your card be run for the approved portion indicated on slide 4. Pay the remaining cost out-of-pocket.

14. Online – Faster Reimbursement! • Login to your Online Account • Select “Submit a Claim” • Fill our required fields • Upload Supporting documentation • Select “Submit” • Email, Fax, or Mail • Fill out a Claim Form available under the “For Members” and “Forms” page on www.choice-strategies.com • Attach supporting documentation Submitting a ClaimNeed Reimbursement?

15. Group Name is required by Federal Law to substantiate all claims. • This means that purchases made with your Choice Strategies Card need to be supported with documentation Substantiation RequirementsDocumentation Requests Receipt Notification Process: • Employees are sent requests via mail or email to provide documentation on card transactions. • Supporting documentation requested may include: • Explanation of Benefits (EOB) • Rx Receipts • Provider Bills

16. Allows Choice Strategies to view your Explanation of Benefits from the online account with Carrier Substantiation ServiceFree and Voluntary Signing Up: • You must set up an online account with Carrier • Sign up for the Substantiation Service by provider yourCarrierUser ID and Password to Choice Strategies • Use the online HIPAA Release Form under the “For Members” section and forms page on www.choice-strategies.com To take advantage of our Substantiation Service, enroll online at: www.choice-strategies.com/substantiation-enrollment

17. Helpful Features! Check available balance Review transaction history Upload supporting documentation Verify the Choice Strategies Card status Update personal information Email, home address, phone number Submit claims online Reimbursement method Member Online Accountswww.choice-strategies.com Video tutorial available

18. Available For iOS and Android Mobile AppAccess Your Information on the Go! You Can: Check available balance Review transaction history Submit claims Upload supporting documentation Video tutorial available

19. Phone:888-278-2555(Option 2) We are Here to Help! Hours: Monday-Friday 8:00am – 8:00pm EST